ISPFCU offers very competitive dividend rates on Share Certificates ranging from 6 months to 4 years in term. The minimum deposit to open an ISPFCU Share Certificate is $500. Share Certificates provide a higher rate of return when you agree to leave your money on deposit for a set period of time. Dividends are paid on Share Certificates monthly. When your certificate reaches its maturity date you may choose to rollover your funds into another Share Certificate, transfer the money to another account, or have the funds mailed to your home address.
In addition to Conventional Share Certificates, ISPFCU offers One-Time Withdrawal and Growth Share Certificates.
One-Time Withdrawal Share Certificates
A One-Time Withdrawal Share Certificate will allow you to withdrawal the entire amount of your certificate over the minimum required $500 deposit one time.
Growth Share Certificates
A Growth Share Certificate will allow you to add funds to your certificate at any time in amounts over $250.
Student Growth Share Certificates
ISPFCU also offers a special Share Certificate just for our younger members. With a Student Growth Share Certificate students can begin to learn the value of saving and earn a competitive dividend rate at the same time.
The minimum deposit to open an ISPFCU Student Growth Share Certificate is $50. Funds can be added in any amount at any time. To be eligible to open a Student Growth Share Certificate members must be between the ages of 16-22 and have an ISPFCU Student Checking Account.
If you have any questions with determining which Share Certificate is right for you please contact a Member Service Representative at 800-255-0886 for assistance.